Alternate payment methods -ACH

[aj-codecov]

Problem to solve:
Many people don't prefer using a credit card for subscriptions.

Potential solution:
Discovery work needed to determine where to start here: Cashapp, paypal, bitcoin, etc.
Implementation of something like Paypal is likely trivial through Stripe which might end up being the deciding factor.

ENG DESIGN DOC HERE: https://www.notion.so/sentry/Codecov-ACH-Billing-1438b10e4b5d80b8b9d6d38acc7c118a

### Tasks
- [ ] https://github.com/codecov/engineering-team/issues/2949
- [x] AJ check in with Jerrord on the ACH stripe pricing

[aj-codecov]

https://dashboard.stripe.com/settings/payment_methods?config_id=pmc_1KOmOAGlVGuVgOrkxFpl1kfB Stripe has a long list of alternate payment methods here that we can enable, Stripe itself is suggesting ACH, SEPA, and WeChat, which might be a good place to start - alternatively, we could focus on European country specific bank redirects that are extremely common on a country by country basis, but would be an implementation of a variety of options to canvas a large enough swath of Europe to be impactful.

[aj-codecov]

Based on a quick chat with Ajay, starting with ACH as an alternative option is likely the best first step - it's USA centric like many of our customers, Sentry has recently implemented it (or is in the process), so we've got a blueprint to work off of and it's a more resilient payment method than CCs.

[Adal3n3]

• Currently, Codecov has been paying for the credit card fee for customers.
• This is more work than the backup billing method
• @ajay-sentry will need to investigate talking to the sentry billing team if they have the ACH enabled (learning processes), investigate stripe fraud validation for ACH if they support this and we can get it for free. If we want to support ACH for U.S region only. we have close 64% U.S. based customers.
• Customer flow: On the stripe checkout page, customers can select a pay option for either ACH or credit card. Select ACH
• In the UI: we need allow update edit delete ACH info.
• Should we store all the payment info or the latest. Store all the payment info not the latest payment.
• Need to find the stripe ACH checkout UI component, we might be able to use the component. (bank account info)

[Adal3n3]

Backup billing payment method issue #2621 and Support ACH payment method #2622 are sharing the same design file.

Here is the scenarios:

• Paying customer want to add a secondary payment method and it can be either credit card or ACH.
• Paying customer want to edit/update their primary default payment method, and it be either credit card or ACH as well.

Figma: https://www.figma.com/design/ftdTGGX43YyurDlxPCLTFy/GH-2621?node-id=1-2

Please view the details walk-thru in figma

Addition source:

Stripe ACH:
https://docs.stripe.com/payments/ach-direct-debit

Stripe UI component
https://docs.stripe.com/payments/payment-element

Codecov ACH billing
https://www.notion.so/sentry/Codecov-ACH-Billing-1438b10e4b5d80b8b9d6d38acc7c118a?pvs=4

Codecov backup
https://www.notion.so/sentry/Codecov-Secondary-Payments-1458b10e4b5d8002b8b3f0d6cc374ab1?pvs=4

Sentry business case writeup for ACH
https://www.notion.so/sentry/Business-Case-for-Payments-at-Sentry-b6886d39ebac462db575d2659eb495ae?pvs=4